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Tools / Instalment & 0% financing calculator

Part of the topic: ๐Ÿท Saving, loans & retirement

Instalment & 0% financing calculator

Before Black Friday: check what an instalment plan really costs. Enter price, term and interest โ€“ and, if a cash discount is offered, see the real interest rate of the โ€œ0%โ€ offer.

โœ“ Free ยท โœ“ no sign-up ยท โœ“ no cookies ยท โœ“ runs in your browser

Monthly instalment
โ€“

Calculation with the effective annual rate (monthly compounding as in the German price regulation PAngV). From 20 November 2026, buy-now-pay-later and small loans are covered by consumer-credit rules in Germany (creditworthiness check, information duties). Not financial advice.

New BNPL rules from 20.11.

What changes for Klarna, PayPal & co. โ€“ and how to check a 0% offer.

Read the guide โ†’
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๐Ÿ”’ Runs entirely in your browser โ€“ nothing you enter is uploaded or stored.

How to use it

  1. Enter price, term and the effective annual interest rate from the offer (0 for 0% financing).
  2. Add fees if the provider charges them.
  3. If you would get a discount when paying at once, enter it to see the real cost of the instalment plan.
Your inputs live only in the link, not on our server.

Last checked: October 2026 ยท Based on: Annuity formula. Found a mistake? Use the form below โ€“ we fix confirmed errors and update the date.

Frequently asked questions

Is 0% financing really free?

Only if the price is the same as for cash payment and there are no fees. If you lose a cash discount, the financing has a real cost โ€“ the calculator shows it as an annual rate.

What changes for buy now pay later in Germany?

From 20 November 2026, BNPL and small loans fall under consumer-credit law: providers must check creditworthiness and inform you about costs and risks. Simple invoice purchases without fees stay largely unaffected.

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